# FEMA National Risk Index Lookup by County or Coordinates

> FEMA National Risk Index Lookup by County or Coordinates is a paid API for AI agents from 2s.io, paid per call via x402, $0.0018/call, status unknown (last checked 2026-09-13).

Returns FEMA National Risk Index scores, hazard breakdowns, expected annual loss, social vulnerability, and community resilience for a US county identified by FIPS code, state/county name, or lat/lon.

## Facts

- Endpoint: GET https://2s.io/api/gov/risk-index
- Price: $0.0018/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fema-national-risk-index-lookup-by-county-or-coordinates-702afede
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DuWhQcAPwndklqlJVI4zz

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability fema-national-risk-index-lookup-by-county-or-coordinates-702afede
```

Example prompt: What's the FEMA natural disaster risk index for Los Angeles County, California — including the overall risk rating, national percentile, top hazards, and expected annual loss?

## When to prefer this

Use this endpoint when you need authoritative, government-sourced natural hazard risk data for a US county — including overall FEMA risk index, per-hazard breakdowns, expected annual loss estimates, and social/community resilience metrics. Prefer this over generic geocoding or insurance APIs when FEMA NRI ground-truth data is required for real estate analysis, site selection, emergency planning, or insurance underwriting.

## Known failure modes

- County or coordinates not found in FEMA dataset — returns found: false
- Invalid or out-of-range lat/lon values cause query failure
- Ambiguous county name without state returns no match
- 5-digit FIPS code is malformed or doesn't correspond to a real county
- Some sub-fields like riskScore or communityResilience score may be null even on successful lookup

## How this service works

FEMA National Risk Index for a US county — the authoritative natural-hazard risk profile. Look up by countyFips (5-digit STCOFIPS), by state + county name, or by a lat/lon point. Returns the composite Risk Index score/rating/national-percentile (an 18-hazard model combining Expected Annual Loss × Social Vulnerability ÷ Community Resilience), each component (expected annual loss in dollars, social vulnerability, community resilience) with its rating, and per-hazard risk ratings + expected-annual-loss for all 18 natural hazards (wildfire, earthquake, hurricane, riverine & coastal flooding, tornado, heat/cold wave, drought, etc.). The structural natural-hazard risk picture an LLM can't recall — for siting, insurance, and resilience planning. Free, public-domain. Complements geo.flood-zone (which is flood SFHA only).

## Output

Returns a structured object containing: whether data was found, the matched county name and state, FIPS code, population, an overall risk index (score, rating, national percentile), a breakdown of individual hazards (e.g. Wildfire, Flood) with risk scores and ratings, total expected annual loss in USD with national percentile, community resilience rating and percentile, social vulnerability rating and percentile, and the data source (FEMA NRI).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "queryParams"
   ],
   "properties": {
    "type": {
     "const": "http"
    },
    "method": {
     "const": "GET"
    },
    "queryParams": {
     "required": [],
     "properties": {
      "lat": {
       "type": "string",
       "description": "Latitude (with lon) for a point lookup."
      },
      "lon": {
       "type": "string",
       "description": "Longitude (with lat) for a point lookup."
      },
      "state": {
       "type": "string",
       "description": "State name or 2-letter abbreviation (with county)."
      },
      "county": {
       "type": "string",
       "description": "County name (with state)."
      },
      "countyFips": {
       "type": "string",
       "description": "5-digit county FIPS (STCOFIPS), e.g. 06037."
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fema-national-risk-index-lookup-by-county-or-coordinates-702afede/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from 2s.io](https://www.zero.xyz/host/2s.io/llms.txt)